Energy Efficiency Loans

Smart-E Loan Program

Save Energy and Money by Improving Your Home's Energy Efficiency - Financing from 0.99% - 6.99%

Making your home more weather tight with improved insulation, windows, upgrading to ENERGY STAR®  heating and cooling systems, improving the efficiency of your hot water equipment - all of these improvements and more will assist you to reduce your energy consumption and can lower your utility bills. C4C can help you finance these improvements with low interest loans made possible through a partnership with the CT Green Bank.

Loans may be for $500 to $40,000 and funding will be used for conducting qualified improvements/equipment replacements. Non-listed work directly related and necesary to the installation of the listed qualifying measures may be financed along with the qualifying measure at the applicable interest rate - (capped at 25% of the total loan amount).

0.99%  Gas Conversion Promotional Rate for conversion of your heating system from any other fuel type to a high efficiency Natural Gas boiler or furnace. Loans of $500 to $40,000 with a choice of loan term: 5 years, 7 years, or 10 years are available. Rebates may also be available.   Click here to apply online. 
0.99%  Heat Pump Promotional Rate for installation of any qualifying heat pump technology. Loans of $500 to $40,000 with a Rebates may also be available.   Click here to apply online. Heat pump options include:
  • Air source heat pump
  • Ductless mini split heat pump
  • Ground source heat pump
  • Heat pump hot water heater
 0.99%  Energy Efficiency Bundle Loan Promotional Rate for a combination of at least two measures. Loans of $500 to $40,000 with a choice of loan term: 5 years, 7 years, or 10 years are available. An eligible bundle approved by the CT Green Bank must be selected. Rebates may also be available.   Click here to apply online. 


Who is Eligible?

  • Applicants must own and occupy* a single or 2-4 family home (includes condos, mobile homes, and vacation homes) in the State of Connecticut
  • Minimum 580 credit score (Minimum 640 credit score for loan amounts > $25,000)
  • Applicants  for the bundle options must participate in the Home Energy Solutions ℠ Program . You must register online or call 877-WISE-USE (877-947-3873) to arrange a HES assessment for your home. This is NOT required for loans financed with rates between 4.49% -6.99%.
  • Projects that are underway or completed will not qualify for financing. Please do not schedule your project until after you have received your loan documents from C4C

*If you do not occupy the property, please contact C4C regarding our alternate loan option

Loan Terms:

  • Eversource electric customers may elect to have loan payments added to their monthly electric bill
  • $500 to $40,000 loan amount 
  • 0.99% rate available for certain bundled improvements or for natural gas conversions with repayment term 5, 7, or 10 years
  • Rate/Term options for other improvements:
    • 4.49% for 5 years
    • 4.99% for 7 years
    • 5.99% for 10 years (Minimum loan size $5,000)
    • 6.99% for 12 years (Minimum loan size $5,000)

Participating Contractors:

How to Apply:

Eligible Improvements (minimum efficiency standards must be met):

Listing of current improvements and efficiency requirements

High Efficiency Insulation

Duct Sealing

Air Sealing

Gas Conversion

High Efficiency Boiler/Furnace

Central Air Conditioning

Ductless Mini-Split Heat Pump

Air Source/Ground Source Heat Pump

Heat Pump Water Heater

Indirect Water Heater (Natural Gas only)

On-Demand Tankless Water Heater (Natural Gas/Propane only)

Window Replacement

Solar PV System

Solar Hot Water System

Electric Vehicle Recharging Station

Natural Gas Vehicle Refueling Station

ENERGY STAR® appliances

Asbestos Remediation

Mold Remediation

Roof Repair/Replacement

Tree Removal for Solar Installation

 *  For more information on ENERGY STAR® please go to